As the outbreak of the Coronavirus continues to affect people around the world, we have modified our operating hours.  Effective Monday, March 23, 2020, our lobby we will open from 9:00 AM to 12:00 PM Monday through Friday.  We encourage members to use Mobile Banking and Online Banking to access your account.

Job Searching / Career Changes

Maybe you recently found yourself without a job or maybe you’ve been absent from the job market and are looking to return, or maybe you simply want to change your career field, regardless of the situation, we can help. You may find you need a set of wheels to get you to your interviews or to your new job. We’ve got low loan rates and great terms. You’ll want to plan for the future so establishing proper savings habits will be a must. Why not start direct deposit (direct deposit pdf) into your savings account at PTOFCU with your first paycheck? You won’t miss it if you don’t see it!

Checking and Savings

PTOFCU offers a wide range of checking and savings account options for our members. For more information regarding these options, visit our Savings and Checking page.

Online Teller

It’s your money, know where it is. Because of this PTOFCU offers an Online Teller service that is free and easy to use. By utilizing this service, our members have access to their PTOFCU account anytime, anywhere. Because security is important to all online transactions and inquiries, Online Teller uses enhanced login security features that will identify you as the true 'owner' of your PTOFCU Online Account. Not only will your password be recognized, your computer will be recognized as well. If we don't recognize your computer — you've logged in from a public computer or one you haven't used before. At that point, you will be prompted to answer challenge questions that only you have the answers to. These questions will act as an additional line of defense against unauthorized access to your accounts which is always important to PTOFCU and our members. For more information, visit our Online Teller page.

Establishing Credit

One of the most important lessons to learn early in life is the ability to establish and manage one’s credit. In order to purchase a car or home, one must have a strong credit rating. PTOFCU understands this which is why we offer our members a Visa Credit Card option. For more information, visit our Visa Credit Card page. Please feel free to use our calculators below when considering establishing your credit.

What's the effect of paying minimum payments?

Minimum Payment Interest Calculator

Moving / Relocating

Once a member, always a member, that’s what we say! Whether you are moving locally or across the country, your relationship with PTOFCU doesn't have to change. You are a member no matter where you live. Our convenient online services make banking easy and ready to move when you do. For more information on how we can help, select an option from the below list that best relates to your question: